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Participant contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,321 | $60,128+7.0% | $90,440-28.9% | $79,852-19.4% |
| Participation rate | 100.0% | 65.0%+35.0pp | 72.7%+27.3pp | 69.6%+30.4pp |
| Annual return | 9.08% | 71.95%-62.9pp | 1294.38%-1285.3pp | 31.72%-22.6pp |
| Employer contribution / active EE | $1,082 | $2,068-47.7% | $3,263-66.9% | $2,471-56.2% |
| Participant deferral / active EE | $764 | $2,939-74.0% | $3,964-80.7% | $3,740-79.6% |
| Admin fee / account holder | $8,162 | $3,977+105.2% | $5,615+45.4% | $5,306+53.8% |